| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZACHARY WISLER3 | 254 CHAPMAN ROAD, SUITE 203 NEWARK, DE 19702 | AFLAC | $3K | $704 | $3K | 5.38% |
| LEILA RAPPAPORT3 | 123 MENDEL COURT BEAR, DE 19701 | AFLAC | $3K | $495 | $3K | 5.28% |
| AUTUMN STROHMAIER3 | 254 CHAPMAN ROAD, SUITE 203 NEWARK, DE 19702 | AFLAC | $2K | $390 | $2K | 3.31% |
| SCOTT JACOB INS GROUP LLC3 Filed as: SCOTT A. RAPAPORT | 56 WELSH TRACT ROAD, APARTMENT 108 NEWARK, DE 19713 | AFLAC | $387 | — | $387 | 0.65% |
| MJ INSURANCE3 Filed as: MICHAEL WALKER AND VARIOUS AGENTS | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $164 | $127 | $291 | 0.49% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | 254 CHAPMAN ROAD, SUITE 203 NEWARK, DE 19702 | AFLAC | $112 | — | $112 | 0.19% |
| KENNA M ULBINSKY YAKAL3 Filed as: KENNA ULBINSKY YAKAL | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $100 | — | $100 | 0.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 7.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $837 | $1K | $2K | 5.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $800 | — | $800 | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AFLAC | 142 | $105K |
| Short-term disability | AFLAC | 51 | $60K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $46K |
| Other(2 contracts, 2 carriers) | AFLAC | 139 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.